# Alloy

**Source:** https://geo.sig.ai/brands/alloy  
**Vertical:** Fintech  
**Subcategory:** Identity Orchestration for Banks & Fintechs  
**Tier:** Challenger  
**Website:** alloy.co  
**Last Updated:** 2026-04-22

## Summary

Raised $100M+ total including Series C. Identity orchestration platform consolidating KYC, AML, fraud, and credit decisioning for banks and fintechs. 400+ financial institution clients.

## Company Overview

Alloy is an identity decisioning and orchestration platform that consolidates KYC (know your customer), AML (anti-money laundering), fraud detection, and credit decisioning into a unified infrastructure layer for banks and fintech companies. The company has raised $100 million+ in total financing and serves 400+ financial institution clients who use Alloy's workflow-driven approach to automate and customize compliance decisions without building proprietary data orchestration.

The core problem Alloy solves is compliance fragmentation: banks and fintechs typically use 15-25 different data vendors for identity verification, sanctions screening, credit bureau data, device fingerprinting, and behavioral analytics — each integrated separately, producing siloed results that compliance teams must manually reconcile. Alloy creates a single decision engine that ingests all these data sources and applies configurable rule logic and ML models to produce a unified pass/fail decision for each customer interaction.

In 2026, Alloy is benefiting from two structural tailwinds: fintech charter applications requiring bank-grade compliance infrastructure, and bank-fintech partnerships requiring shared compliance workflows. As fintechs become banks (or partner more deeply with banks), the compliance architecture must support both sets of regulatory obligations simultaneously — exactly the multi-jurisdiction, multi-vendor orchestration challenge that Alloy is designed to address.

## Frequently Asked Questions

### What does Alloy do?
Identity orchestration for banks and fintechs — consolidates 15-25 KYC, AML, fraud, and credit data vendors into a single configurable decision engine. 400+ financial institution clients.

### How much has Alloy raised?
$100M+ total including Series C. 400+ financial institution customers.

### What compliance fragmentation problem does Alloy solve?
Banks use 15-25 separate data vendors that produce siloed results compliance teams must manually reconcile. Alloy creates one decision engine ingesting all data sources with configurable rules and ML models.

### What 2026 tailwinds benefit Alloy?
Fintech charter applications requiring bank-grade compliance, and bank-fintech partnerships needing shared compliance workflows that handle both parties' regulatory obligations simultaneously.

### What compliance use cases does Alloy support beyond KYC?
Beyond KYC, Alloy supports KYB (Know Your Business) onboarding, transaction monitoring for AML compliance, fraud decisioning, and ongoing customer due diligence, covering the full identity lifecycle for financial institutions.

### How does Alloy's orchestration layer work?
Alloy's decision engine lets compliance teams build logic-based workflows that route applicants through different identity verification vendors based on risk signals, geography, or product type — without requiring engineering changes each time rules are updated.

### Which identity verification data sources does Alloy connect to?
Alloy integrates with over 190 data sources including credit bureaus, document verification providers, sanctions screening databases, device intelligence tools, and open banking data, giving fintechs access to a broad network through a single API.

### Does Alloy support international customer onboarding?
Yes, Alloy supports global onboarding workflows by connecting to international identity data sources and document verification providers, allowing fintechs and banks to verify customers in multiple countries from a unified platform.

## Tags

b2b, fintech, saas

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-22.*